https://www.rhbgroup.com/smart/index.html
The T&Cs as at 15 June 2023 (effective 1 Jan 2023) are as follows:
This post has been edited by contestchris: Jun 15 2023, 11:36 PM
RHB Smart Account/i - Interest Rate up to 3.35%
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 Jun 15 2023, 11:35 PM, updated 2w ago
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#1
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Senior Member
5,569 posts Joined: Aug 2011 
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Starting this topic for discussion specific to the RHB Smart Account/i. https://www.rhbgroup.com/smart/index.html The T&Cs as at 15 June 2023 (effective 1 Jan 2023) are as follows: This post has been edited by contestchris: Jun 15 2023, 11:36 PM sirius2017 and nexona88 liked this post
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Apr 15 2025, 08:47 AM
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#2
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Senior Member
5,569 posts Joined: Aug 2011
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Has anyone been targeting the latest Smart campaign?
When does RHB credit the special "bonus" rates? Is it on the 15th of the month, or sometime later? For some reason, I am not seeing the bonus for the Joy@Work. Anyone faces simialr issue? |
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Apr 15 2025, 11:41 AM
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#3
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5,569 posts Joined: Aug 2011
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QUOTE(ineser @ Apr 15 2025, 09:20 AM) This is my transaction for last month What's included in the 20th credit. Do you know what you qualified for and does it tally?"SAVE" bonus came in 15th Then the rest came in bulk on 20th [attachmentid=11512458] I can't see in details.  |
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Apr 17 2025, 04:55 PM
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#4
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5,569 posts Joined: Aug 2011
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QUOTE(limeuu @ Apr 17 2025, 03:24 PM) I am confused now as the "spend" interests I used to get on the 15th has stop. Everything except SAVE is now credited on thr 20th under RHB Retail DepositsI have no idea what is "retail deposits". |
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Apr 18 2025, 03:03 PM
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#5
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5,569 posts Joined: Aug 2011
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QUOTE(mamamia @ Apr 18 2025, 02:54 PM) under clause 18, but i think i do update email address, but, didnt receive notification... I didn't receive either. Their system setup is incomplete.Eligible Participant(s) will receive notification updates via email on the Bonus Rates fulfilled on a monthly basis. If the Eligible Participant(s) did not provide RHB their email address details when the CASA/-i was opened previously, they will not receive any notification updates. However, Eligible Participant(s) can submit or update their email address by submitting the request via Secured Message in RHB Online Banking or walk in to the nearest RHB Branch. In the past, I was get the monthly email for previous Smart campaign. |
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Apr 23 2025, 11:03 AM
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#6
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5,569 posts Joined: Aug 2011
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QUOTE(ineser @ Apr 23 2025, 09:18 AM) Just received my lump sum bonus today together with my credit card cashback Yes same, I got total 1.5% today.[attachmentid=11512762] 1.0% for Joy@Work 0.5% for Spend 1.0% for Save 0.05% base rate Total 2.55% Will go for the Pay bonus at >RM10k tier this month. Should be able to then get 4.05%, which is a pretty good rate. xiaoxiaoshen liked this post
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Apr 23 2025, 03:19 PM
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#7
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5,569 posts Joined: Aug 2011
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QUOTE(mamamia @ Apr 23 2025, 01:28 PM) Ya, saw it ytd evening too. Morning don’t have, evening only credited. What categories you go for and is it correct? |
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Apr 23 2025, 06:36 PM
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#8
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(mamamia @ Apr 23 2025, 04:34 PM) i notice i receive more than what i suppose to.. i.e. i receive 2 save interest... No such thing double of Save interest. You sure about it?I go for Pay, Spend, Deposit. |
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Jun 18 2025, 09:52 AM
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#9
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Senior Member
5,569 posts Joined: Aug 2011
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Anybody knows if we can get BOTH bonus interest and loyalty points, or only qualify for one of them? If you can only pick one...how/where to do so?
From the T&C (Clause 1.28): There are 2 options available to earn from the RHB Smart Account: a. Bonus Interest Rates or b. Loyalty Points https://www.rhbgroup.com/-/media/Assets/Cor...ing_tnc_eng.pdf |
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Jun 20 2025, 08:44 AM
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#10
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5,569 posts Joined: Aug 2011
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  Very nice new interface that transparently shows your bonus rewards. You can make the choice between earning higher interest rate or loyalty points here. Only accesible via online banking. |
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Jul 11 2025, 11:24 AM
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#11
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Senior Member
5,569 posts Joined: Aug 2011
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Now there is an tracker on the app and website
This post has been edited by contestchris: Jul 11 2025, 11:24 AM |
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Jul 17 2025, 04:55 PM
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#12
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5,569 posts Joined: Aug 2011
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QUOTE(xiaoxiaoshen @ Jul 17 2025, 04:40 PM)     it seem easy to have 5.25%, Any sifu here can advice? xiaoxiaoshen liked this post
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Jul 22 2025, 09:09 PM
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#13
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Senior Member
5,569 posts Joined: Aug 2011
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Interest for June 2025 is in.
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Aug 3 2025, 11:11 PM
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#14
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5,569 posts Joined: Aug 2011
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There are issues again, expect delay in crediting of July interest https://www.rhbgroup.com/-/media/Files/othe...H20250801-1.pdf mamamia liked this post
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Aug 24 2025, 12:57 AM
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#15
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Senior Member
5,569 posts Joined: Aug 2011
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Anyone yet to receive the Jul 2025 bonus interest rate? I've yet to get mine.
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Aug 24 2025, 09:44 AM
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#16
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(Relianne @ Aug 24 2025, 09:39 AM) Just received mine on 22 August. RHB retail deposits I didnt. Damn need to contact the idiots. RHB really menyusahkan |
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Sep 3 2025, 03:17 PM
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#17
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(xiaoxiaoshen @ Sep 3 2025, 01:51 PM)  if you alway have .100k deposit, you may exchange RM3000 to USD each month, you will get extra 1.6% each month (rm131.50), then exchange it back, it lose rm20 only. am i correct? if you dont exchang it back you can plan foreign weelky term deposit got high interest too 4%/annual. (min placement usd2k) of course lah it have some risk on currency up n down  |
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Sep 3 2025, 04:26 PM
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#18
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(xiaoxiaoshen @ Sep 3 2025, 04:09 PM) yes, just use finger scroll n click. RHB rejected me few times for shell CC, then i become premier to apply for their Shell CC. then they offer me for this multicurrency account, and it is good i can pre exchange my currency n use it at oversea without the converison fee. for the fees i guess is just annual debit card fees. Can you convert in and out on the same day? Also, there is obviously a conversion fee, which is the bid-ask spread. Typical credit card conversion fee for foreign currency transactions do not have a bid-ask spread, but instead a 1% or 2% fee based on the actual exchange rate. |
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Sep 8 2025, 03:57 PM
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#19
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(mamamia @ Sep 8 2025, 03:45 PM) received the bonus interest ytd, credited so early this month. 7th of the month is on-time based on the revised T&C. Last 2 months, they had system issues which have been resolved. mamamia liked this post
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Sep 9 2025, 05:54 PM
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#20
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Senior Member
5,569 posts Joined: Aug 2011
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QUOTE(Yaowarat @ Sep 9 2025, 11:58 AM) this month suddenly the joy@work doesnt work , usually i just transfer in few k into the account and it will capture as salary. anyone have this problem ? I got Joy@Work. See if the details are correct for your work |
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